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We want to give all Ontario residents the ability to purchase critical illness insurance. Even if you have a pre-existing condition or family health history that prevented you from obtaining coverage in the past, your health is not a barrier to getting protection tailored for your needs with our Critical Illness Plan.

A closer look at our Critical Illness Plan for residents of Ontario

We do not require medical exams to be eligible

Medical exams are often the most significant pain point for many Canadians in Ontario looking for coverage, so we removed it as a requirement from our plan.

Guaranteed acceptance

We provide instant approval for residents In Ontario between the ages of 18-69. In addition, we cannot deny your coverage due to your health condition.

Over 20 debilitating conditions covered

We provide full benefit coverage for illnesses like cancer, heart attack, stroke, and more.

Make sure your coverage fits what you need

If you are not satisfied with your policy, you have 30 days to let us know, and we will provide you with a full refund.

Online application and instant approval

Obtaining our Critical Illness Plan is so easy that you can get a free quote, see your plan options, and purchase your policy from our website without having to call an advisor.

Tax-free benefits

Your plan’s benefit is guaranteed tax-free.

The application requires no paperwork or face-to-face meetings

By removing these barriers, we’ve created a straightforward process that can be done entirely on our website.

Our complete list of covered conditions
We help Ontarians get the coverage they need for a wide range of debilitating medical conditions. Our Critical Illness Plan provides full coverage for up to 21 conditions and partial coverage for three others.
See the full breakdown of our covered conditions now.
  • Alzheimer’s disease
  • Aorta surgery
  • Benign brain tumor
  • Blindness
  • Cancer
  • Coma
  • Coronary artery bypass surgery
  • Deafness
  • Dismemberment
  • Heart attack
  • Heart valve replacement
  • Loss of speech
  • Major organ failure
  • Major organ transplant
  • Motor neuron disease
  • Multiple sclerosis
  • Occupational HIV Infection
  • Paralysis
  • Parkinson’s disease
  • Severe burns
  • Stroke
  • DCIS
  • Early stage prostate cancer
  • Loss of independence

We understand how difficult it has become for residents in Ontario to get critical illness coverage. With this in mind, we have created a hassle-free process that helps Ontarians meet the coverage expectations they need without scheduling meetings or undergoing medical exams.

To discover your coverage options and get free no-obligation quotes, please complete our short online application now. If you are happy with your options, you can purchase your plan right through the application in minutes.

Find out more about our plan details:

All claims are subject to a 30-day survival period following a diagnosis. Death that occurs during this time will not result in payable benefits.

Benefits will not be paid for insured conditions, child insured conditions or additional benefit conditions caused directly or indirectly, by or contributed to by any of the following:

  • Suicide or any intentionally self-inflicted injury, while sane or insane;
  • Declared or undeclared war, terrorism, riot, insurrection, service in the armed forces of any country or government or international organization;
  • A complication of Human Immunodeficiency Virus (HIV) infection or any variance thereof including AIDS and AIDS related complex;
  • Committing or attempting to commit a criminal offense, or while in prison; or
  • The misuse of medication, the abuse of drugs/intoxicants, or from having a blood alcohol level of 80 milligrams of alcohol in 100 milliliters of blood.

Pre-existing Condition Exclusion

Benefit will not be paid for any pre-existing condition.

Within the first 2 years: an insured condition such as, for example, a heart attack, will not be covered if it was caused by a pre-existing condition such as, for example, hypertension. After 2 years, this exclusion will no longer apply.

90-Day Cancer Exclusion

Benefits will not be paid of any amount for cancer, early-state prostate cancer treatment of DCIS for a period of 90 days from the effective date of the policy or the date of its reinstatement, whichever is sooner.

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